Indexed Universal Life Insurance

For Individuals and Families in Dallas, Ft. Worth, Plano, and Texas
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Protection Meets Growth Potential

Indexed Universal Life Insurance (IUL) offers lifelong coverage while giving your cash value the opportunity to grow with the market—without the risk of direct investment. At Affluence Insurance Services, we help you structure an IUL that balances protection, flexibility, and tax-advantaged growth to support your long-term goals.

What's Covered

An IUL policy includes:

  • Permanent Death Benefit

    Lifelong protection for your beneficiaries.

  • Market-Linked Cash Value Growth

    Earn interest based on index performance (like the S&P 500) with downside protection.

  • Flexible Premiums

    You decide how much and how often to pay within policy guidelines.

  • Adjustable Coverage

    Change your death benefit (subject to underwriting) as your financial goals evolve.

Insure with Affluence

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Growth Without Direct Market Risk

Your cash value can grow based on market performance, but it’s protected from losses.

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Tax Advantages

Grow funds tax-deferred and access them tax-free through policy loans and withdrawals.

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Retirement & Legacy Planning

Use your IUL to supplement income while still securing wealth transfer to loved ones.

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Long-Term Flexibility

A smart option for those who want protection, adaptability, and growth potential all in one.

Frequently Asked Questions

  • Can I lose money in an IUL?

    No—your cash value has a guaranteed floor (often 0%), so you’re shielded from market losses while still having upside potential.

  • How is an IUL different from traditional universal life?

    The main difference is how cash value earns interest—traditional UL uses fixed rates; IUL uses a market index.

  • Is this good for retirement planning?

    Yes, many use IULs to build supplemental retirement income with tax benefits and flexible access.

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Get a Quote

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Grow with Confidence. Protect with Purpose.

Let Affluence Insurance Services show you how indexed universal life can support your future with built-in security and strategic financial growth.